According to Forbes, retailer woes are certain to continue as a survey shows that one out of every three women plans to not buy any clothes in 2009. (Last year, that figure was only 4 percent.)

Lane Bryant, the Gap, and Zales are expected to close stores nationwide in the coming months as consumer debt continues to pile up from bygone days of shopping with abandon:

Those days are over, probably for a long time. While accelerating unemployment will only last so long, consumers’ debt loads and credit access don’t figure to recover to pre-party levels for quite awhile.

“I don’t think we will live the same way for 10 years,” says Howard Davidowitz, chairman of New York-based retail consultant and investment bank Davidowitz & Associates. “People are so scared they’re starting to save.”

One woman’s credit-card debt is another woman’s recessionista shopping spree.

So E.S. readers, are you in that one-third?